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Kasikorn Bank
  • Product - KBank Home Loan
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KBank Home Loan: Up to 30-Year Term with Monthly Installments

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Our product is dedicated to young professional, middle, and senior management because having a new home is exciting but it can mean you need to rethink your finances. Explore ways you can manage your money in ways that works for you and your family

Special fixed rate

Lock in a rate and enjoy low interest burden up to 3 years

No hidden fees

Say No! to hidden cost insurance bundling product

Extra funding to upgrade your home

Access additional funds for renovation or home upgrades.

Product Features

  • Loan amount ranges from 700 million to VND 15 billion
  • Maximum Loan to collateral appraisal value up to 80%
  • Long loan tenor starting from 61 to 360 months
  • Declining Balance installment: Pay a fixed principal amount plus interest on your remaining balance, so your total monthly repayment decreases over time.
  • You may check your monthly repayment amount below.
Calculate Your Monthly Repayment
Amount you want to borrow
Please enter the loan amount 700,000,000 - 15,000,000,000 VND
VND
Number of loan months
Please enter the number of loan months (61 - 360)
Months
Fixed interest rate options
Interest Rate
Please enter Interest Rate (≤ 100%)
%/Year
Calculate
Clear
*Note: The above monthly installment calculation is for reference only. There may be slight deviations from the actual result when the customer uses the service.
Your Monthly Installment
Total Loan Amount:0 VND
Loan period:0 Months
Interest rate:0 % /year
Monthly Repayment Amount
0
VND / Month
View Repayment Schedule

Apply for Home Purchase
Eligibility
  • The Vietnamese citizens with current residence in Ho Chi Minh City, Dong Nai, or Tay Ninh
  • Age of borrower including loan tenor: From 20 to 70 years
  • An office worker who is working in private company that located in Ho Chi Minh City, Dong Nai and Tay Ninh
  • Total working experience more than 1 year
  • Must have completed the probationary period at the current workplace
  • Total monthly income (all borrowers) more than 20 million VND
  • Collateral must be supported by a valid LURC and located in Ho Chi Minh City, Dong Nai, or Tay Ninh
Interest Rates

Interest rate options available as below:
  • Fixed 1-year: 8.50% p.a.
  • Fixed 2-year: 9.00% p.a.
  • Fixed 3-year: 9.30% p.a.

  • After the fixed interest rate period, the floating interest rate will be applied by using averaged 4 Banks’ 12-Month Term Deposit Rate of Vietcombank, BIDV, VietinBank, and Agribank plus 5.85% p.a. (no minimum)

    *Announcement date 01/09/2026, until changed by KBank Vietnam announcement
Fee and Charges
  • Early partial repayment fee
    1st Year = 2.00% of paid principal amount
    2nd Year = 2.00% of paid principal amount
    3rd Year = 2.00% of paid principal amount
    After 3rd Year = waived

  • Early full repayment fee (Early pay-off fee)
    1st Year = 3.00% of paid principal amount
    2nd Year = 2.50% of paid principal amount
    3rd Year = 2.00% of paid principal amount
    4th Year = 1.00% of paid principal amount
    After 4th Year = waived

  • Fee for procession title deed borrowing (e.g., for visa interview): 2,000,000 VND (non-VAT) per transaction

  • Fee for copy of title deed (legal fee and notarized service fee are excluded): 100,000 VND per document (non-VAT)

  • *Announcement date 01/09/2026, until changed by KBank Vietnam announcement
Documents
DocumentsDownload
KBank Home Loan: Home Purchase Factsheet Download
KBank Home Loan: Interest Rate Calculation Download
KBank Home Loan: Application Form Download
General Terms of Loan Agreement Download
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Steps to Apply for
KBank Home Loan
 
 
 

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Disclaimer
  1. I hereby give my explicit, voluntary, affirmative, and consent for KASIKORNBANK PUBLIC COMPANY LIMITED - HO CHI MINH CITY BRANCH (“KBank”) to contact my basic personal data above for KBank products and services via email and phone. I also acknowledge that I have read, understood, and understand Personal Data Protection Policy Notice. Moreover, I agree that KBank may transfer and disclose any information provided to KBank's affiliates/subsidiaries and any sub-contractors/agents for the same purpose whether in Vietnam or oversea. I acknowledge and confirm that my personal information filled in this form are true, complete, accurate and updated. For more information, please contact K-Contact Center at tel. +8428 3821 8888.
  2. In the event that I disclose another person's personal data to KBank for the aforementioned purposes, I represent and warrant to KBank that I have obtained consent from such person or has a legal basis to disclose such person's personal data to KBank and has informed such person of the details of the collection, use and/or disclosure of personal data and the aforementioned Personal Data Protection Policy Notice. I will indemnify KBank for any cost, charge, damages, expenses or loss incurred to KBank due to my failure to comply with this provision.

FAQ

What is KBank Home Loan?
  • KBank Home Loan is a secured loan provided by KBank Vietnam for a salary earner who working in private company and live in Ho Chi Minh City, Dong Nai and Tay Ninh. Our product purpose is to support home buyer by mortgaging the purchased property or other debt – free residence that is owned by the customer or immediate family.
What type of collateral that KBank can accept?
  • The collateral is house, town house or apartment with title deed ready in Ho Chi Minh City, Dong Nai and Tay Ninh.
How long the loan tenor that I can apply for?
  • Loan tenors are available from 61 to 360 months. The combined age of the borrower and the loan tenor must not over 70 years.
Do I have to buy insurance during the loan tenor?
  • Customers are not required to purchase any insurance. KBank provides free annual fire insurance (premium rate 0.02% of sum insured) through out the contract period. The coverage of fire insurance is 110% of loan outstanding balance or building value, whichever is lower.
How does the bank identify the value of my property? Can I choose my preferred valuation company?
  • The value of your collateral will be assessed by a Valuation Company appointed by KBank. The valuation company is randomly selected by KBank.